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Microcap & Penny Stocks : Columbia Capital Corporation-Computerized Banking (CLCK) -- Ignore unavailable to you. Want to Upgrade?

To: jasper asper who wrote (40)	5/20/1998 11:03:00 PM
From: Jeffrey L. Henken	Read Replies (1) \| Respond to of 1020

Citibank is one of CLCK's partner's in this technology. But Columbia Capital is the true 2000 lb. gorilla here. Yes Citibank is the largest issuer of credit and debit cards in the world but it is Columbia Capital who right now has the technological capacity to allow all these EBT transactions to be processed with virtually no increase in overhead until the year 2000. CLCK is ready for this incredible growth right now! Take some time and read the following article. There will be competitors. As you may have noticed the federal government thinks Microsoft is trying to establish a monopoly. Columbia Capital won't be allowed to become a monopoly either but business will be damn good! govtech.net The company's target market share by the year 2000 of EBT transactions is estimated to be $60 billion with approximately 450 million transactions per year. Regards, Jeff

To: jasper asper who wrote (40)	5/22/1998 1:59:00 PM
From: Jeffrey L. Henken	Respond to of 1020

Could debit cards actually replace paper money in the future? They might! There are advantages to consumers and businesses alike not to mention Uncle Sam. Think how much money the federal government would save without the cost of printing money and avoiding counterfeiting. There certainly are lots of advantages as this article shows in a push towards greater acceptance in the business world: How Can Debit and Credit Card Acceptance Help Your Business? novainfo.com How Can Credit Card Acceptance Help Your Business? We've got only one thing to say to those businesses not currently accepting alternative forms of payment - get with it! Today's consumers want just three things - convenience, convenience, convenience. Those businesses not offering it are just sending business to their competitors who will. Furthermore, studies show consumers prefer to carry credit and debit cards over cash and checks. How Can Debit Card Acceptance Help Your Business? NOVA has recently introduced ATM/Debit card processing on a regional and national level in your market area. ATM/Debit cards provide your customers with a convenient payment alternative and offer you guaranteed funds. By adding a PIN-pad, you can begin processing ATM/Debit cards immediately. As you probably already know, ATM/Debit card processing is either an on-line or off-line electronic check. On-line ATM/Debit, is a direct debit to the cardholder's bank account, and guaranteed funds for authorized transactions. Off-line ATM/Debit is very similar to a credit card transaction, following the same acceptance procedures. Like a credit card, the ATM/Debit card is authorized. Funds are deducted from the customer's checking account and moved into a holding account. Within 48 to 72 hours, the funds are deposited into your account. The addition of ATM/Debit card processing can be an enormous benefit to your business for several reasons: Save Money! ATM/Debit cards are less expensive to process than checks. Cash Back! Your customers can get cash back when they make a purchase. Increased Patronage! ATM/Debit cards allow you to do business with customers from whom you might not usually accept checks, such as people from out of town. Increased Sales! Studies show that customers spend more when they use ATM/Debit cards than when they use cash, because they aren't limited to the cash they have on hand. 100% Guaranteed Funds! Why take the risk of a bounced check? Once you start accepting these cards, you won't believe how easy it is, and you'll soon encourage all your customers to use their ATM/Debit cards! How can processing through NOVA help your business? Because at NOVA we own our network, transaction times are much faster than with other processors who go through a third party network. The average time for a transaction to be authorized is 3-5 seconds faster than the industry standard. In addition, since its inception in 1991, the network has had no downtime. That is, merchants have been able to access it 100% of the time for over 4 years! The proprietary network also allows us to keep our costs down, passing the savings on to you! Over 100,000 merchants can't be wrong - NOVA is the company to process credit and debit cards with! Now NOVA may actually be a competitor of our company's but this article shows how strongly debit cards are being pushed... CLCK on Columbia Capital! Regards, Jeff